Call reports 2012
UNISON BANK — 2012
What UNISON BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 219,339,000 | 208,741,000 | 207,952,000 | 217,383,000 |
| Total loans | 131,297,000 | 130,554,000 | 133,175,000 | 129,918,000 |
| Allowance for loan losses | 4,345,000 | 4,598,000 | 3,525,000 | 3,357,000 |
| Securities available for sale | 58,270,000 | 54,708,000 | 56,967,000 | 57,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,209,000 | 160,239,000 | 156,411,000 | 170,956,000 |
| Interest-bearing deposits | 128,993,000 | 120,662,000 | 116,190,000 | 118,192,000 |
| Noninterest-bearing deposits | 40,216,000 | 39,577,000 | 40,221,000 | 52,764,000 |
| Equity capital | 23,193,000 | 23,718,000 | 24,015,000 | 23,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,287,000 | 4,512,000 | 6,714,000 | 8,809,000 |
| Interest expense | 450,000 | 836,000 | 1,192,000 | 1,532,000 |
| Net interest income | 1,837,000 | 3,676,000 | 5,522,000 | 7,277,000 |
| Noninterest income | 234,000 | 672,000 | 699,000 | 1,209,000 |
| Noninterest expense | 1,605,000 | 3,161,000 | 4,854,000 | 6,248,000 |
| Provision for loan losses | 249,000 | 498,000 | 498,000 | 498,000 |
| Pretax income | 217,000 | 696,000 | 890,000 | 1,761,000 |
| Income tax | 20,000 | 128,000 | 134,000 | 399,000 |
| Net income | 197,000 | 568,000 | 756,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,195,000 | 18,705,000 | 19,099,000 | 18,737,000 |
| Total capital | 19,998,000 | 20,498,000 | 20,923,000 | 20,522,000 |
| Risk-weighted assets | 141,681,000 | 140,657,000 | 143,625,000 | 140,538,000 |